Bank OZK (OZK)

Bank OZK operates as a full-service Arkansas state-chartered bank that provides retail and commercial banking services. The company provides deposit services, including non-interest-bearing checking, interest bearing transaction, business sweep, savings, money market, individual retirement, and other accounts, as well as time and reciprocal deposits. It offers trust and wealth services, such as personal trusts, custodial accounts, investment management accounts, and retirement accounts; corporate trust services that include trustee, paying agent and registered transfer agent services, and other related services; and treasury management services, which include automated clearing house, wire transfer, current and prior day transaction reporting, wholesale lockbox, remote deposit capture, automated credit line transfer, reconciliation, positive pay, commercial card, and other services, as well as zero balance and investment sweep accounts. In addition, the company provides real estate, consumer, small business, indirect recreational vehicle and marine, equipment, agricultural, commercial and industrial, government guaranteed, lines of credit, homebuilder, and housing loans; lender and structured, business aviation, and subscription financing services; and mortgage and other lending products. The company was formerly known as Bank of the Ozarks and changed its name to Bank OZK in July 2018. Bank OZK was founded in 1903 and is headquartered in Little Rock, Arkansas.

Ticker
OZK
Exchange
Nasdaq
Sector
Financial Services
Industry
Banks - Regional
Market cap
$5.55B
52-week range
$42.37 - $53.39

Valuation

Share price
$50.64 (close of Nov 6, 2026)
P/E (TTM)
8.23x
Price to book
0.91x
Price to free cash flow
7.91x
Enterprise value
$4.66B
Book value per share
$55.64

Price performance

PeriodChange
1 day-0.88%
5 days-0.02%
1 month+13.59%
3 months-1.84%
6 months+3.07%
Year to date+10.04%
1 year+15.64%
3 years+29.12%
5 years+5.94%
10 years+41.06%
All time+4,309.47%

Short interest

As of
Oct 15, 2026
Short % of float
18.90%
Shares short
18.89M
Days to cover
9.17
Change since prior report
+7.35%
Source
FINRA consolidated short interest

Profitability and growth

Return on equity
13.44%
Return on invested capital
-0.00%
Return on assets
2.02%
Return on capital employed
-0.00%
Gross margin
100.00%
Net margin
30.69%
EBITDA margin
-0.00%
Revenue growth
80.20%
Net income growth
22.45%
Free cash flow growth
15.96%

Cash flow and balance sheet

Free cash flow yield (TTM)
12.65%
Current ratio
5.36x
Net debt to EBITDA
-0.87x

Latest reported year

Period end
Dec 31, 2023
Fiscal year
2023
Revenue
$2.25B
Gross profit
$2.25B
EBITDA
-$56.00K
Net income
$690.78M
Earnings per share
$5.89
Shares outstanding
114.46M

Income statement by year

Period endRevenueGross profitNet incomeEPS
2023-12-31$2.25B$2.25B$690.78M$5.89
2022-12-31$1.25B$1.25B$564.14M$4.55
2021-12-31$1.10B$1.10B$579.00M$4.49
2020-12-31$984.91M$984.91M$291.90M$2.26
2019-12-31$984.26M$984.26M$425.91M$3.30
2018-12-31$991.68M$991.68M$417.11M$3.24
2017-12-31$929.40M$929.40M$421.89M$3.36
2016-12-31$601.50M$511.11M$269.98M$2.59
2015-12-31$382.15M$310.37M$182.25M$2.10
2014-12-31$270.49M-$118.61M$1.53

Margins and returns by year

Period endGross marginNet marginReturn on equityReturn on capital
2023-12-31100.00%30.69%13.44%-0.00%
2022-12-31100.00%45.17%12.03%10.34%
2021-12-31100.00%52.78%11.97%9.52%
2020-12-31100.00%29.64%6.83%5.40%
2019-12-31100.00%43.27%10.26%8.15%
2018-12-31100.00%42.06%11.06%13.25%
2017-12-31100.00%45.39%12.19%12.92%
2016-12-3184.97%44.88%9.67%9.48%
2015-12-3181.22%47.69%12.44%11.22%
2014-12-31-43.85%13.06%10.19%

Cash and debt by year

Period endCashDebt
2023-12-31-$2.15B$1.27B
2022-12-31$4.53B$1.08B
2021-12-31$5.97B$1.22B
2020-12-31$5.80B$1.10B
2019-12-31$3.77B$694.97M
2018-12-31$3.15B$439.33M
2017-12-31$3.06B$364.02M
2016-12-31$2.34B$382.66M
2015-12-31$693.34M$322.23M
2014-12-31$989.52M$255.81M

Free cash flow by year

Period endFree cash flowStock-based compensation
2023-12-31$852.41M$17.43M
2022-12-31$735.09M$13.21M
2021-12-31$508.74M$16.01M
2020-12-31$502.34M$14.85M
2019-12-31$325.95M$14.17M
2018-12-31$618.56M$14.13M
2017-12-31$345.62M$12.33M
2016-12-31$196.76M$10.75M
2015-12-31$184.37M$8.20M
2014-12-31$43.26M$5.67M

Dividend history

Most recent payment
Oct 12, 2023
Payment dateDividend per share
2023-10-12$0.37
2023-07-13$0.36
2023-04-13$0.35
2023-01-13$0.34
2022-10-13$0.33
2022-07-14$0.32
2022-04-13$0.31
2022-01-13$0.30

Investor relations

Past earnings dates

ReportedFiscal periodEPS estimate
2026-10-20Sep 2026$1.45
2026-07-21Jun 2026$1.46
2026-04-21Mar 2026$1.46
2026-01-20Dec 2025$1.56
2025-10-16Sep 2025$1.67
2025-07-17Jun 2025$1.51
2025-04-16Mar 2025$1.42
2025-01-16Dec 2024$1.45

Filings and sources

Company website
ozk.com
SEC filings
10-K, 10-Q and 8-K on EDGAR
Earnings calendar
All upcoming reports

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